Aflac Incorporated Q3 2026 Earnings Recap

Aflac’s third-quarter results were mixed, and the stock rose 0.8% after earnings—roughly flat. U.S. sales and premiums grew, while Japan sales declined against a difficult comparison; the available transcript excerpt provides no further financial detail to assess the quarter’s earnings trajectory.

Key Takeaways

• Aflac reported net earnings per diluted share of $0.61 and adjusted earnings per diluted share of $2.43; the CFO later cited adjusted EPS of $2.46 excluding foreign-currency effects.
• Aflac Japan sales fell 4% year over year to ¥18.8 billion, but were up 3% for the first nine months. Management attributed the quarterly decline to a challenging comparison following the prior-year Miraito Cancer Insurance launch.
• Aflac US sales increased 3.5% and net earned premiums rose 3.3% year over year; premium persistency was 79.7%.
• Aflac US reported a 27.7% pretax profit margin. Japan premium persistency was 92.9%.
• Aflac returned $1.1 billion to shareholders through dividends and share repurchases in the quarter, and $3.7 billion in the first nine months.